Natural hazards · Lakeport

Lakeport, CA natural hazards

Most of the natural-hazard damage FEMA expects in Lakeport comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 241 claims here since 1978. 8 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Lakeport?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lakeport to be higher than in 96% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes51%Inland flooding46%Everything else3%

By hazard

What Lakeport faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Earthquakes

51% of expected damage

Well above average · higher than 97% of U.S. places

Inland flooding

46% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 2 years in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Lakeport flood?

Every paid claim on a federal flood insurance policy in Lakeport, from FEMA’s records.

241paid claims since 1978

$2.9Mpaid to owners

37homes flooded more than once

19782026

Biggest named events

Pineapple Express - Southern: 72 claims, $1.2M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (6) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lakeport isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lake County.

What’s been done with FEMA grants

17homes raised above flood level

Disasters that hit Lakeport

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Lakeport itself: aid to households, or repair grants to the City of Lakeport.

Brought FEMA money into LakeportDeclared for Lake County only

2020

Wildfires

66 households applied for aid $500 aid approved

2019

Severe Winter Storms, Flooding, Landslides, and Mudslides

$29K to the City of Lakeport for repairs

2018

Wildfires and High Winds

231 households applied for aid $159K aid approved $181K to the City of Lakeport for repairs

2017

Wildfires

30 households applied for aid

2017

Severe Winter Storms, Flooding, and Mudslides

$772K to the City of Lakeport for repairs

2015

Valley Fire and Butte Fire

8 households applied for aid

2006

Severe Storms, Flooding, Landslides, and Mudslides

$61K to the City of Lakeport for repairs

2005

Severe Storms, Flooding, Mudslides, and Landslides

43 households applied for aid $10K aid approved

Lake County has had 32 natural disasters declared since 1953, most often fires and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Lakeport covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Lakeport’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lakeport. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Lakeport total about $9.6M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.